Negligence is the failure to use reasonable or ordinary care, which results in loss, injury or damage. If someone did (or did not do) something that a reasonably careful person would not do under like circumstances, then their action (or inaction) may be the legal cause of your loss, injury or damage. Absent such negligence, the loss, injury or damage would not have occurred. You may be entitled to financial compensation whether negligence operates: (1) as a single act or cause; (2) in combination with the act of another; or, (3) some other cause at the same time that contributes substantially to producing your loss, injury or damage.